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Grace Santa
Grace R. is 43 years old. She lives in a suburban area of Fortín de Guayaquil. Her house is made of cement but she has only light as a basic service. Her husband works in another country but she has four children who live with her.

Grace began five years ago selling notebooks and pens to her neighbors. When she saved enough money, she built a small paper shop in the area behind her house.

Now she works every day from 6:30AM until 9PM selling notebooks, games, pens, sheets, cardstock, etc. One of the inconveniences that she faces is the rains that occur in her area.

With the loan, she wishes to buy notebooks, pens, games and books for he business. In the future, she wants to have branches of her paper shop.
View original language description ↓
Grace R. de 43 años, vive en una zona periurbana en el Fortín de Guayaquil, su casa es de cemento pero solo cuenta con luz como servicio básico. Su esposo trabaja en otro País, pero tiene 4 hijos que viven con ella.

Grace empezó hace 5 años atrás vendiendo cuadernos y plumas a sus vecinos. Cuando ahorro dinero suficiente construyo en la parte delantera de su casa un pequeño local para su papelería.

Ahora ella trabaja todo los días desde las 06h30 hasta las 21h00 todos los días vendiendo cuadernos, juguetes, plumas, laminas, cartulinas, etc. Uno de los inconvenientes que tiene son las lluvias que hay en su sector.

Con el préstamo quiere comprar cuadernos, plumas, juguetes y libros para su negocio. En el futuro quiere tener sucursales de su papelería.

Additional Information

About Banco D-MIRO

Banco D-MIRO is a microfinance institution that serves the most vulnerable sectors of Ecuador’s economy. It offers very small loan sizes without requiring collateral, expanding access to borrowers who would not otherwise be able to access capital to start and grow their own businesses. It also specifically targets borrowers who are excluded from formal financial systems due to race, ethnicity, gender, disability or illness.

About Ecuador

  • $10,600
    Average annual income
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Grace Santa notebooks, pens and games.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 19, 2010
Feb 21, 2010
Currency Exchange Loss:
Jan 15, 2011